They are foreign. They do not leave a message but call from several different numbers all with 212 area code. I have put them all on Auto Reject. When you call back it rings busy. BIG RED FLAG!!!!!!! They either are very threatening... something about owing money.... wanting to give you college grant money....... Or telling you, you have been approved for a loan... THEY ARE ALL SCAMS> DO NOT ANSWER AND PUT ON CALL BLOCK IF YOU HAVE ONE!!!!